Your Claims Administrator Pays Five Vendors to Do What We Built Once. You're Paying for Every One of Them.

You have seen the invoice. Twenty, twenty-two, twenty-five dollars per claimant. And if you asked your claims administrator to break that number down, you probably got a vague paragraph about "platform costs" and "technology fees" and left the conversation knowing less than when you started.

Here is what that number actually contains. Your legacy administrator does not own its SMS gateway. It licenses one. It does not own its e-signature tool. It licenses one. Voice? Licensed. KYC and identity verification? Licensed. Disbursement rails? Licensed. Five vendors, five contracts, five markups, all stacked on top of each other and then wrapped in the administrator's own margin before the total hits your desk.

That is not a criticism of the people running those companies. It is a description of their cost structure. And cost structures do not bend because someone asks nicely.

What an Owned Stack Actually Means

GroupSettle is a division of Send It By Text. That matters because Send It By Text already built and operates native document signing, SMS delivery, email infrastructure, AI voice, and an AI super agent that handles over 80% of claimant inquiries by text and email. We did not build those tools for mass arbitration. We built them for high-volume communications across industries, and then pointed the entire engine at the claims administration problem.

So when a claimant gets a text, opens a signing session, executes both the release and the closing statement in one flow, and then texts back a question at 11 p.m. on a Tuesday, every one of those interactions runs on technology we own. No licensing fee. No per-message surcharge from a third party. No margin stacked on margin.

That is why the price is $9.99 per fully signed claimant. Not because we are subsidizing it. Not because it is a promotional rate. Because the cost of running the engine is structurally lower when you are not paying five other companies to run it for you.

The Price Difference Is Not Even the Important Part

Saving ten or fifteen dollars a head matters. On a 5,000-claimant matter, that is $50,000 to $75,000 the firm keeps. But the bigger consequence of the owned stack is what it does to completion.

Legacy administrators stall around 50% completion in mass arbitration. That is not an effort problem. It is an architecture problem. When your SMS vendor is separate from your e-signature vendor, which is separate from your voice vendor, which is separate from your customer service team, every handoff between systems is a place where a claimant falls out of the funnel. The claimant gets the text, taps the link, lands on a signing page that loads slowly or looks unfamiliar, hesitates, closes the tab, and never comes back. Or they reply with a question and wait three days for someone to answer it. By then the moment is gone.

GroupSettle treats completion as a funnel, not a mailing. Document signing is built into the same session the claimant opens from the first text. The AI super agent answers their questions in real time. If they do not respond to text or email, AI voice follows up. Every channel is native, so there is no handoff, no lag, no moment where the claimant drifts away because two systems failed to talk to each other.

In the matters we run, that architecture produces roughly 50% more effectiveness on completion than the legacy model. That is what we see. It is not a published benchmark from a third party. It is what happens when you remove five handoffs from the conversion path.

The Threshold Bonus Only Works Because of This

Two dollars of our per-claimant fee only exist if the firm hits its release threshold. At $9.99 base, the rate steps up to $11.99 on every signed claimant (including the early ones) when the matter reaches 75, 80, or 85 percent, whatever the settlement agreement requires. Miss the threshold, and the firm pays $9.99. Nothing more.

No legacy administrator ties a dollar of its fee to the threshold. And the reason is simple: they cannot afford to. When your cost structure is five licensed vendors deep, your margins are already thin at $25. Putting any portion of that fee at risk would mean operating at a loss on every matter that falls short.

GroupSettle can make that bet because the marginal cost of running the completion engine is low. We run much of it at or near cost. The threshold bonus is not generosity. It is a direct consequence of owning the stack. If we did not own it, we could not afford the alignment. And if we could not afford the alignment, the firm would be right back where it started: paying full price for 50% of the job.

The Invoice Tells the Story

When you look at a legacy administrator's bill, you are looking at five vendors' margins plus one more on top. When you look at ours, you are looking at the cost of technology we built, plus a fee that partially depends on whether we actually got you to your number.

That is not a pitch. It is arithmetic. And it is the reason the price is what it is, the completion rate is what it is, and the threshold bonus exists at all.